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Update on Michelle

Michelle is a single mom from Carangan, Ozamiz City, Misamis Occidental. She lives with her parent. In order to support her needs, she manages a plot of garden from a portion of their land, planting a variety of vegetables for sale.

She joined GDMPC in 2012 and recently borrowed a loan of 20,000 PHP (Philippines pesos) to purchase fertilizer such as manure, and pay for farm maintenance costs. She saves a portion of her income to finance her child’s education in the future.

Previous Loan Details

Michelle. a 24-year-old single woman, resides in Carangan, Ozamis City, Misamis, Occdental where she helps support her family's needs from the small amount (PHP 5,000) she earns from her garden business. She has gardened for three years to supplement the income of her father, who is a farmer. ... More from Michelle's previous loan »

Additional Information


Gata Daku Multi-Purpose Cooperative (GDMPC) was founded in 1992 by 32 farmer-members to empower people by providing livelihood opportunities and other support services. Today, it has over 15,000 members located in upland, lowland and coastal regions of the Philippines, and offers credit, savings, education, and various social services.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Philippines

  • $7,000
    Average annual income
  • 372
    View loans »
    Philippines Loans Fundraising
  • $70,805,925
    Funds lent in using Kiva
  • 44.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Michelle to buy fertilizer.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jun 11, 2013
Jun 27, 2013
Currency Exchange Loss:
May 17, 2014